function [insured_acc, uninsured_acc] = fn_insured_accounts(delta,R1,dist_d,d_min,d_max)
% Note: output are shares, not dollar amounts

f = @(x)(x*R1-delta<0).*pdf(dist_d,x);

insured_acc   = integral(f,d_min,d_max);
uninsured_acc = 1 - insured_acc;

end